Strategies for Curbing Health Insurance Costs for State Employees: Benefit Design, Wellness Programs, and Data Mining

October 24, 2012
In October 2012, the National Governors Association released an issue brief examining some of the innovative models for state employees’ insurance plans, including: 1) introduction of newly designed health benefit plans for state employees; 2) wellness programs and incentives for state employees; and 3) mining health claims and cost data to develop cost-savings strategies. New health plan designs included in the analysis are high deductible plans, plans with value-based insurance design (VBID), plans with tiered or limited provider networks, hospitals and doctors, and efforts to engage employees to get them to change their behavior.
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